When you lease a car in the UK, the leasing company, or funder, retains the title as the "registered keeper" of the vehicle. This can sometimes be confusing, especially when dealing with matters like insurance, parking permits, and tickets.
In this guide, we’ll explain who the registered keeper is, what the V5C document entails, and how it impacts you as the lessee.
The registered keeper is the individual or entity whose name appears on the vehicle's registration document, also known as the V5C or logbook. The V5C lists details about the car, including its make, model, and registration date, along with the registered keeper’s name and address.
For leased cars, the leasing company remains the registered keeper. This means that while you have the right to use the car during the lease period, the lease provider retains legal responsibility for the vehicle. This setup also applies in other situations, such as when someone drives a family member’s car, the registered keeper may not always be the driver.
Since the leasing company is the registered keeper, they hold the V5C logbook and manage certain responsibilities, like keeping the car taxed. Here’s what you need to know:
- Taxation: The lease provider keeps the V5C document so they can handle road tax requirements. Most leases the tax will be covered within your monthly rental so you don't need to worry about it.
- Access to V5C Details: If you need information from the V5C, such as for insurance or a parking permit, you’ll need to contact your lease provider.
While the lease company holds the V5C, you're responsible for insuring the leased vehicle during your agreement with them. When you come to arranging insurance, you will likely be asked to provide certain specifications about the car in question, such as the make and model, when it is registered, and how many miles it has on the clock. This information is usually on the V5C. Therefore, it is useful to consult your lease holder for any details you may need when applying for insurance cover.
Our Complete Care package includes insurance, along with maintenance and breakdown cover - all for a fixed monthly rental. It's a great way to save yourself the time and hassle of comparing insurance quotes every year.
Local councils may require a V5C copy to issue a parking permit. Since the lease provider holds the V5C, they can provide you with a copy and additional details, such as a letter confirming the lease arrangement and your vehicle’s registration, if needed. Simply request these documents from the leasing company to complete your application smoothly.
For more information check out our guide on Arranging parking permits for your lease vehicle.
When you incur a fine, whether for a parking violation or a traffic offence, the ticket is sent to the leasing company as the registered keeper. The lease provider will usually forward the fine to you or may pay it directly and then bill you, often with an added administration fee. Always check your lease terms to understand the process and fees associated with fines.
Read our how guide on What happens if I get a speeding ticket in my lease car? for more information.
If you wish to add a private number plate to your leased car, consult with your lease provider, as they will have specific policies on this. Most companies can accommodate this request, but they will need to handle the application for you as they hold the V5C document. Note that some providers may charge an additional fee for managing the registration of private plates.
Our How to put private registration plates on a lease car guide will give you all the answers to any more questions you have about private number plates.
Understanding who has the role of the registered keeper and the V5C logbook is essential when leasing a car in the UK. While the lease company remains the registered keeper who deals with certain responsibilities for the car, you are still required to take up the responsibilities of running the vehicle, getting insurance for it, and handling fines. Keep these distinctions clear, and enjoy a smooth, efficient leasing experience without confusion as to who's responsible for what.
If you’re ready to lease a car, explore our latest deals and find a vehicle that suits your lifestyle and budget.
Looking for more motoring content? Why not check out our latest blog, car maintenance guide to help keep your vehicle running smoothly? We also publish weekly blogs covering a variety of topics, all of which you can explore in the blog section of our website. For more information, browse our in-depth car leasing guides or speak to one of our specialists at 0345 811 9595.
